LOEWS CORP (L) Stock Fundamental Analysis
USA - NYSE:L - US5404241086 - Common Stock
106.42 USD
+1.48 (+1.41%)
Taking everything into account, L scores 3 out of 10 in our fundamental rating. L was compared to 147 industry peers in the Insurance industry. While L is still in line with the averages on profitability rating, there are concerns on its financial health. L has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
L had positive earnings in the past year.
In the past year L had a positive cash flow from operations.
Of the past 5 years L 4 years were profitable.
L had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of L (1.69%) is comparable to the rest of the industry.
L has a Return On Equity of 7.94%. This is in the lower half of the industry: L underperforms 68.03% of its industry peers.
The Return On Invested Capital of L (2.18%) is comparable to the rest of the industry.
The Average Return On Invested Capital over the past 3 years for L is below the industry average of 4.39%.
The last Return On Invested Capital (2.18%) for L is above the 3 year average (2.05%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.69% | ||
| ROE | 7.94% | ||
| ROIC | 2.18% |
ROA(3y)1.54%
ROA(5y)1.08%
ROE(3y)7.72%
ROE(5y)5.34%
ROIC(3y)2.05%
ROIC(5y)N/A
1.3 Margins
L has a Profit Margin (7.93%) which is comparable to the rest of the industry.
In the last couple of years the Profit Margin of L has grown nicely.
The Operating Margin of L (12.88%) is comparable to the rest of the industry.
L's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 12.88% | ||
| PM (TTM) | 7.93% | ||
| GM | N/A |
OM growth 3Y-9.39%
OM growth 5Y2.96%
PM growth 3Y-8.85%
PM growth 5Y5.2%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so L is destroying value.
The number of shares outstanding for L has been reduced compared to 1 year ago.
L has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, L has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of L is 3.11, which is a good value as it means it would take L, 3.11 years of fcf income to pay off all of its debts.
L has a Debt to FCF ratio (3.11) which is comparable to the rest of the industry.
A Debt/Equity ratio of 0.46 indicates that L is not too dependend on debt financing.
L has a Debt to Equity ratio of 0.46. This is in the lower half of the industry: L underperforms 65.31% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.46 | ||
| Debt/FCF | 3.11 | ||
| Altman-Z | N/A |
ROIC/WACC0.3
WACC7.29%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for L have decreased by -8.37% in the last year.
The Earnings Per Share has been growing by 13.42% on average over the past years. This is quite good.
Looking at the last year, L shows a small growth in Revenue. The Revenue has grown by 6.33% in the last year.
The Revenue has been growing slightly by 3.32% on average over the past years.
EPS 1Y (TTM)-8.37%
EPS 3Y2.23%
EPS 5Y13.42%
EPS Q2Q%33.52%
Revenue 1Y (TTM)6.33%
Revenue growth 3Y6.13%
Revenue growth 5Y3.32%
Sales Q2Q%4.59%
3.2 Future
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 15.42, L is valued correctly.
Based on the Price/Earnings ratio, L is valued a bit more expensive than 61.90% of the companies in the same industry.
L is valuated rather cheaply when we compare the Price/Earnings ratio to 25.07, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.42 | ||
| Fwd PE | N/A |
4.2 Price Multiples
L's Enterprise Value to EBITDA is on the same level as the industry average.
L's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. L is cheaper than 62.59% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.26 | ||
| EV/EBITDA | 10.42 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.15
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
L has a yearly dividend return of 0.24%, which is pretty low.
L's Dividend Yield is slightly below the industry average, which is at 3.51.
Compared to an average S&P500 Dividend Yield of 2.44, L's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.24% |
5.2 History
The dividend of L decreases each year by -0.02%.
L has been paying a dividend for at least 10 years, so it has a reliable track record.
L has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)-0.02%
Div Incr Years0
Div Non Decr Years10
5.3 Sustainability
3.58% of the earnings are spent on dividend by L. This is a low number and sustainable payout ratio.
DP3.58%
EPS Next 2YN/A
EPS Next 3YN/A
NYSE:L (11/21/2025, 3:20:02 PM)
106.42
+1.48 (+1.41%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners59.4%
Inst Owner Change3.45%
Ins Owners14.93%
Ins Owner Change-19.23%
Market Cap22.07B
Revenue(TTM)18.31B
Net Income(TTM)1.45B
Analysts42.86
Price TargetN/A
Short Float %1.36%
Short Ratio2.96
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.24% |
Yearly Dividend0.25
Dividend Growth(5Y)-0.02%
DP3.58%
Div Incr Years0
Div Non Decr Years10
Ex-Date
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.42 | ||
| Fwd PE | N/A | ||
| P/S | 1.21 | ||
| P/FCF | 7.26 | ||
| P/OCF | 6.13 | ||
| P/B | 1.21 | ||
| P/tB | 1.23 | ||
| EV/EBITDA | 10.42 |
EPS(TTM)6.9
EY6.48%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)14.66
FCFY13.78%
OCF(TTM)17.37
OCFY16.32%
SpS88.29
BVpS88.18
TBVpS86.5
PEG (NY)N/A
PEG (5Y)1.15
Graham Number117.01
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.69% | ||
| ROE | 7.94% | ||
| ROCE | 2.78% | ||
| ROIC | 2.18% | ||
| ROICexc | 2.2% | ||
| ROICexgc | 2.32% | ||
| OM | 12.88% | ||
| PM (TTM) | 7.93% | ||
| GM | N/A | ||
| FCFM | 16.61% |
ROA(3y)1.54%
ROA(5y)1.08%
ROE(3y)7.72%
ROE(5y)5.34%
ROIC(3y)2.05%
ROIC(5y)N/A
ROICexc(3y)2.06%
ROICexc(5y)N/A
ROICexgc(3y)2.18%
ROICexgc(5y)N/A
ROCE(3y)2.61%
ROCE(5y)N/A
ROICexgc growth 3Y-3.69%
ROICexgc growth 5Y6.65%
ROICexc growth 3Y-4.01%
ROICexc growth 5Y6.41%
OM growth 3Y-9.39%
OM growth 5Y2.96%
PM growth 3Y-8.85%
PM growth 5Y5.2%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.21
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.46 | ||
| Debt/FCF | 3.11 | ||
| Debt/EBITDA | 2.87 | ||
| Cap/Depr | 96.4% | ||
| Cap/Sales | 3.07% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 122.51% | ||
| Profit Quality | 209.44% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC7.29%
ROIC/WACC0.3
Cap/Depr(3y)121.86%
Cap/Depr(5y)111.18%
Cap/Sales(3y)4.18%
Cap/Sales(5y)4.28%
Profit Quality(3y)238.91%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-8.37%
EPS 3Y2.23%
EPS 5Y13.42%
EPS Q2Q%33.52%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)6.33%
Revenue growth 3Y6.13%
Revenue growth 5Y3.32%
Sales Q2Q%4.59%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-11.09%
EBIT growth 3Y-3.83%
EBIT growth 5Y6.37%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-9.66%
FCF growth 3Y3.78%
FCF growth 5Y27.87%
OCF growth 1Y-11.08%
OCF growth 3Y4.87%
OCF growth 5Y11.68%
LOEWS CORP / L FAQ
What is the fundamental rating for L stock?
ChartMill assigns a fundamental rating of 3 / 10 to L.
What is the valuation status for L stock?
ChartMill assigns a valuation rating of 2 / 10 to LOEWS CORP (L). This can be considered as Overvalued.
What is the profitability of L stock?
LOEWS CORP (L) has a profitability rating of 4 / 10.
How financially healthy is LOEWS CORP?
The financial health rating of LOEWS CORP (L) is 3 / 10.
Is the dividend of LOEWS CORP sustainable?
The dividend rating of LOEWS CORP (L) is 4 / 10 and the dividend payout ratio is 3.58%.